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Valued Member
Posts: 34
Registered: ‎06-24-2010
0

Walmart back door number?

i have had a walmart credit card since june of this year. My credit limit is 300.00. Every time I use the credit limit increase button on the website it denies me a credit limit increase. My scores aren't the best but I think they are decent enough to get a higher CL. My score are currently EQ: 659, TU: 656, EX:708(through USAA website). Does anyone have a backdoor number for them or have any advice as to how I can get a CLI?


Starting Score: 546
Current Score: 666
Goal Score: 750


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Regular Contributor
Posts: 131
Registered: ‎03-30-2009
0

Re: Walmart back door number?


ddiamond wrote:

i have had a walmart credit card since june of this year. My credit limit is 300.00. Every time I use the credit limit increase button on the website it denies me a credit limit increase. My scores aren't the best but I think they are decent enough to get a higher CL. My score are currently EQ: 659, TU: 656, EX:708(through USAA website). Does anyone have a backdoor number for them or have any advice as to how I can get a CLI?


Try 800-301-5546 or 877-294-7498.

Eq WAS 500+ three years ago NOW IM 683 and Trans WAS ALSO 500+ NOW IM SITTING AT 710
700 You better be on the LOOK OUT(OOPS GUESS THEY WEREN'T LOOKING CAUSE I ALREADY MADE IT YAAAAYYYYYYYY)
Regular Contributor
Posts: 165
Registered: ‎03-22-2009
0

Re: Walmart back door number?

You should have gotten a letter in the mail from GEMB after the decline.   Did you get it?

 

GE Money Bank only gives out CLIs every 4 months.   If you've never ever gotten one they might have a specific reason.   If you got one and it was 4mos ago or sooner, you will not get one no matter what.

EQ: 801!
I got one foot in the 800 Club, now I need the other two feet.
Valued Contributor
Posts: 1,540
Registered: ‎01-29-2008
0

Re: Walmart back door number?

I say try next month after your 4th statement and try the cli button again and see what happens, because that the last poster stated it is every 4 months although you should have recieved some type of informtion that it was too early for a cli.  Good Luck


Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Contributor
Posts: 103
Registered: ‎04-01-2009
0

Re: Walmart back door number?

ddiamond,

 

As most have pointed out, you will have to wait until the 4th statement cuts. I have had Walmart cc for 1 yr and started out at 500 CL. They have been a little stingy with the CLI (only giving $100 at a time) but they at least do give them. I have a few GE backed cards and they all tell me the same thing when I ask for a CLI before the 4th statement has cut, that I haven't established a history at the current credit limit.


Starting Score : TU: 667-- EQ: 673
Current Score : TU: 644-- EQ: 645
Goal Score : TU: 800-- EQ: 800


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Frequent Contributor
Posts: 474
Registered: ‎09-12-2010
0

Re: Walmart back door number?

I started at a $300 limit when i opened the store card in February 2010 and they automatically increased my limit to $700 after the 4th statement cut off in July. I've hit the credit limit increase button recently but it asks me for annual income so I know it will result in a hard pull so I will just wait for my increase after the next 4 month cutoff.

FICO scores - 727 TU(Walmart)/ 727 EX(Amex app)/ 721 EQ(Discover app)
In My Wallet: BankAmericard Cash Rewards($2,000), Discover More($3,000), Chase Freedom($2,000), Fidelity Amex($1,000), Sam's Club Discover($4,400), SallieMae 5% Mastercard($5,000), Amex BCE($2,000) ,Citi Simplicity($2,000), Paypal SmartConnect($3,100), Walmart Store Card($2,350), Chase Amazon Visa($700), Target RedCard($500), Capital One Cash Rewards($750), Best Buy Store Card($1,900), HHGregg($2,000), Amazon Store Card($1,250),Newegg Preferred Account($2,000), Park West($2,000), BankAmericard Travel Rewards($5,000)
Contributor
Posts: 88
Registered: ‎03-22-2010
0

Re: Walmart back door number?

I have a Sam's Club credit card - don't know if it's the same as the Walmart Card or not.  I can use it at WalMart.  I've had it for at least 3 years, started out at $550 credit limit, then they cut it down to $220 about 18 months ago.  At that time, my balance on it was about $210.  I've never been late, etc.  I haven't had any automatic CLI.  It now has a balance of $15.  this is the first balance I've had on it this year.  I requested a CLI last night, and was denied.  i got the message i would get a letter soon.  It did ask for my annual income, so that will result in a hard pull, right?  i do have a satisfied judgment on my report.  I've applied for discover and capital one credit cards in the past month, those, too, were declined.  Is that satisfied judgment causing all these declines?  I guess I got confident because I got a new (to me) , used car about 6 weeks ago, and the finance guy told me my EX score was 720, with TU and EQ at 702 and 698.  When i got my quarterly update from TU on August 20, it was 720.  my utilization is high (about 60%).  Right after the car loan, I got 3 new store cards with combined CLs of $4,000. The car loan was my first application for new credit in over 4 years.  

 

My judgment doesn't all off my report until November, 2012.  Should I just wait another 2 years to try for a regular card?  I expect my utilization to be down to 20% in about a year.  any suggestions for a new regular credit card?

 

Thanks

Valued Contributor
Posts: 1,540
Registered: ‎01-29-2008
0

Re: Walmart back door number?


mygoal750 wrote:

I have a Sam's Club credit card - don't know if it's the same as the Walmart Card or not.  I can use it at WalMart.  I've had it for at least 3 years, started out at $550 credit limit, then they cut it down to $220 about 18 months ago.  At that time, my balance on it was about $210.  I've never been late, etc.  I haven't had any automatic CLI.  It now has a balance of $15.  this is the first balance I've had on it this year.  I requested a CLI last night, and was denied.  i got the message i would get a letter soon.  It did ask for my annual income, so that will result in a hard pull, right?  i do have a satisfied judgment on my report.  I've applied for discover and capital one credit cards in the past month, those, too, were declined.  Is that satisfied judgment causing all these declines?  I guess I got confident because I got a new (to me) , used car about 6 weeks ago, and the finance guy told me my EX score was 720, with TU and EQ at 702 and 698.  When i got my quarterly update from TU on August 20, it was 720.  my utilization is high (about 60%).  Right after the car loan, I got 3 new store cards with combined CLs of $4,000. The car loan was my first application for new credit in over 4 years.  

 

My judgment doesn't all off my report until November, 2012.  Should I just wait another 2 years to try for a regular card?  I expect my utilization to be down to 20% in about a year.  any suggestions for a new regular credit card?

 

Thanks


Have you tried any sites that offer pre approvals just to see if you qualify for anything


Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
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